FlyerTalk Forums - View Single Post - No Initial Hard Credit Pull for Existing Amex Cardholders?
Old Jan 30, 2023 | 9:23 am
  #37  
Yoshi212
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Join Date: Dec 2009
Location: New York, NY
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Posts: 6,777
In my 20+ years with Amex I have only had 1 hard pull over a dozen+ personal & biz (not corporate) cards. Of course in the application you do agree to authorizing a hard pull but Amex very rarely does these and rather uses an internal ranking system for cardholders. That scoring is based on spending & payment history with Amex, credit report soft pull data and current economic factors including those impacting your employment industry.
I find Amex Biz card approvals to be far easier than other banks for existing cardholders.
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